---
schema_version: "secwatch.filing_event.v1"
accession: "0001562463-25-000068"
form_type: "8-K"
ticker: "INBK"
cik: "0001562463"
company_name: "First Internet Bancorp"
filed_at: "2025-07-23T23:59:59+00:00"
generated_at: "2026-05-18T03:25:01.061875+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# First Internet Bancorp Q2 net income $0.2M, diluted EPS $0.02; credit issues persist

## Summary
- Net income $0.2M ($0.02 diluted EPS); PTPP $11.7M, +17.2% YoY but -1.8% QoQ.
- Net interest income $28.0M (+11.5% QoQ); NIM 1.96% (+14 bps QoQ).
- Loan growth $108.2M (+2.5% QoQ); deposit growth $353.2M (+7.1% QoQ).
- Nonperforming loans to total loans 1.00%; net charge-offs to avg loans 1.31%; allowance/loans 1.07%.
- Tangible book value per share $44.25; CET1 ratio 8.90%.

## SEC filing metadata
- accession: 0001562463-25-000068
- form_type: 8-K
- ticker: INBK
- cik: 0001562463
- company_name: First Internet Bancorp
- filed_at: 2025-07-23T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1562463/000156246325000068/0001562463-25-000068-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1562463/000156246325000068/inbk-20250723.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562463-25-000068
- JSON: https://secwatch.observer/filing/0001562463-25-000068.json
- Plain text: https://secwatch.observer/filing/0001562463-25-000068.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.